Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

UCB stock hub

United Community Banks, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

UCB

In the news

Latest news · UCB

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.9

P25 8.8P50 10.4P75 13.1

Trailing P/E12.2

P25 10.9P50 14.7P75 36.2

ROE9.5

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All UCB market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

226

Groups with data

Currency

USD

Showing 226 of 226 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000857855
Company name	United Community Banks, Inc.
Country	United States
Country code	US
Cusip	90984P303
Employees	3,070
Employees Change	91%
Employees Change Percent	3.05
Enterprise value	$3.5B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	2002-03-18
Isin	US90984P3038
Last refreshed	2026-05-10
Market cap	$4B
Market cap category	Mid-Cap
Price	$33.36
Price currency	USD
Rev Per Employee	341,285.02x
Sector	Financials
Sic	6022
Symbol	UCB
Website	https://www.ucbi.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.33%
EV Earnings	10.64x
EV Sales Forward	3.03x
EV/Sales	3.38x
Forward P/E	10.89x
P/B ratio	1.09x
P/E ratio	12.22x
P/S ratio	3.81x
PE Ratio10 Y	15.33x
PE Ratio3 Y	14.39x
PE Ratio5 Y	13.79x
PS Forward	3.42x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$1B
Net Income	$332.5M
Net Income Growth	30.55%
Net Income Growth Q	18.03%
Net Income Growth Quarters	6%
Net Income Growth Years	2%
Net Income Growth3 Y	5.48%
Net Income Growth5 Y	10.79%
Pretax Margin	41.96%
Profit Margin	32.54%
Profit Per Employee	$108,303
Profitable Years	14
ROA	1.22
Roa5y	1.09
ROE	9.53
Roe5y	9.43

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	8.29%
Cagr15y	9.35%
Cagr1y	22.96%
Cagr20y	-5.5%
Cagr3y	18.05%
Cagr5y	2.28%
Div CAGR10	15.22%
Div CAGR3	4%
Div CAGR5	6.28%
EPS Growth	29.33
EPS Growth Q	19.3
EPS Growth Quarters	6
EPS Growth Years	2
EPS Growth3 Y	1.64
EPS Growth5 Y	3.18
Revenue Growth	15.44x
Revenue Growth Q	14.38x
Revenue Growth Quarters	5x
Revenue Growth Years	12x
Revenue Growth3 Y	6.54x
Revenue Growth5 Y	10.21x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$28.2B
Cash	$623.4M
Debt	$170M
Equity	$3.7B
Liabilities	$24.5B
Net Cash	$453.4M
Net Cash By Market Cap	$11.36
Net Cash Growth	32.94%
Net Debt Equity	$-0.12
Tangible Book Value	$2.7B
Tangible Book Value Per Share	$22.47
WACC	8.54

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-23.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-1.29%
Dividend Growth	4.21%
Dividend Growth Years	11%
Dividend per share	$1
Dividend Years	13
Dividend Yield	3%
Ex Div Date	2026-03-13
Last Dividend	$0.25
Payout Frequency	Quarterly
Payout Ratio	36.28%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	121.64%
1Y total return	22.94%
200-day SMA	32.04
3Y total return	64.54%
50-day SMA	32.27
50-day SMA vs 200-day SMA	50over200
5Y total return	11.94%
All Time High	168.3
All Time High Change	-80.18%
All Time High Date	2007-03-09
All Time Low	5.5
All Time Low Change	506.55%
All Time Low Date	2010-11-15
ATR	0.77
Beta	0.85
Beta1y	0.82
Beta2y	1.04
Ch YTD	6.86
High	33.71
High52	36.77
High52 Date	2026-02-06
High52ch	-9.27%
Low	33.28
Low52	27.23
Low52 Date	2025-06-18
Low52ch	22.51%
Ma50ch	3.37%
Premarket Change Percent	0
Premarket Price	$33.56
Premarket Volume	8,904
Price vs 200-day SMA	4.13%
RSI	51.51
RSI Monthly	55.7
RSI Weekly	54.08
Sharpe ratio	0.77x
Sortino ratio	1.35
Total Return	1.7%
Tr YTD	7.75
Tr15y	282.42%
Tr1m	2.77%
Tr1w	-0.48%
Tr3m	-7.86%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	5
Analyst Count Top	5
Analyst Price Target Top	$38.75
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.7
Earnings EPS Estimate Growth	18.64
Earnings Revenue Estimate	275,124,502x
Earnings Revenue Estimate Growth	11.08x
Operating Income	$485.6M
Operating margin	46.34
Price target	$38.75
Price Target Change	$16.16
Price Target Change Top	$16.16

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	119,029,586%
Float Percent	99.45%
Shares Insiders	0.48%
Shares Institutions	86.94%
Shares Out	119,686,643
Shares Qo Q	-0.91%
Shares Yo Y	1.29%
Short Float	2.63%
Short Ratio	3.42
Short Shares	2.61

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	802,417.4x
Bv Per Share	30.54
CAPEX	$-30.2M
Ch10y	70.29
Ch15y	187.6
Ch1m	2.77
Ch1w	-0.48
Ch1y	19.06
Ch20y	-76.61
Ch3m	-8.63
Ch3y	48.86
Ch5y	-3.94
Ch6m	11.31
Change	-0.6%
Change From Open	-0.57
Close	33.56
Days Gap	-0.03
Dollar Volume	20,769,135.4
Earnings Date	2026-04-21
Earnings Time	bmo
EPS	$2.73
F Score	4
Financing CF	-542,711,000
Fiscal Year End	December
Founded	1,950
Graham Number	43.30039
Graham Upside	29.8
Income Tax	$98.6M
Investing CF	44,456,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-21
Last Report Date	2026-03-31
Last Split Date	2011-06-20
Last Split Type	Reverse
Last10k Filing Date	2026-02-17
Lynch Fair Value	$29.46
Lynch Upside	-11.7
Ma150	32.16
Ma150ch	3.72%
Ma20	33.55
Ma20ch	-0.57%
Net CF	-143,571,000
Next Earnings Date	2026-07-22
Open	33.55
Optionable	Yes
P OCF Ratio	11.26
Payment Date	2026-04-03
Position In Range	18.6
Ppne	391,883,000
Pre Close	33.56
Price Date	2026-05-08
Ptbv Ratio	1.48
Relative Volume	0.79x
Revenue	1,047,745,000x
SBC By Revenue	1.19x
Share Based Comp	12,426,000
Tax By Revenue	9.41x
Tax Rate	22.44%
Tr20y	-67.73%
Tr6m	13.11%
Us State	South Carolina
Volume	622,576

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

UCB dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.0%

$1.00 annual per share

Payout ratio

+36.3%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.3%

11 consecutive years of growth

Total shareholder yield

+1.7%

Next ex-dividend date: 2026-03-13

Performance

UCB stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns UCB?

Insider, institutional, and short-interest positioning.

Institutional ownership

+86.9%

Float: +99.5% of shares outstanding

Insider ownership

+0.5%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

UCB momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

51.5

Neutral momentum band

Price vs 200-day MA

+4.1%

50/200-day relationship not available

Beta (5Y)

0.85

Moves roughly with the market

Sharpe ratio

0.77

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

UCB vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Ridurre
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Ridurre
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Ridurre

Questions

About UCB

Hub-level FAQ points readers to the deeper analysis pages.

What is the current UCB stock rating?

United Community Banks, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full UCB analysis?

The full report lives at /stocks/UCB/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for UCB?

The latest report frames UCB around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the UCB page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.